CVB Financial Corp. CVBF R2K
CVB Financial Corp. operates as bank holding company for Citizens Business Bank, National Association, a state-chartered bank that provides banking and financial services to small to mid-sized businesses and individuals. The company offers checking, savings, money market, and certificates of time deposit products for business and personal accounts, municipalities and districts, and specialized deposit products for title and escrow; and serves as a federal tax depository for business customers. It also provides commercial lending products comprising lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agriculture loans to finance the operating needs of wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; lease financing services for municipal governments; commercial real estate and construction loans; consumer financing products, including automobile leasing and financing, lines of credit, credit cards, home mortgages, and home equity loans; and equipment and vehicle leasing services. In addition, the company offers various specialized services, such as treasury management systems for monitoring and managing cash flow, a merchant card processing program, armored pick-up and delivery, payroll services, remote deposit capture, electronic funds transfers, wires and automated clearinghouse, and online account access; and foreign exchange and letters of credit services. Further, it provides financial and trust services, such as fiduciary services, mutual funds, annuities, 401(k) plans, and individual investment accounts. CVB Financial Corp. was founded in 1974 and is headquartered in Ontario, California.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Excellent profit margin of 40.3%.
- Attractive dividend yield of 3.93%.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Revenue declined at -2.3% CAGR over 5 years.
- Earnings shrank at -3.8% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | CVBF CVB Financial Corp. R2K | 20.36 | 13.31 | $3.59B | 3.93% | - | 9.20% | -2.30% | -3.85% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
Quarterly Results
Figures in USD.
| Metric | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 126.67M | 126.35M | 128.58M | 133.85M | 132.12M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 32.56M | 32.60M | 34.53M | 33.32M | 31.27M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 69.53M | 68.80M | 69.01M | 74.36M | 68.55M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 18.43M | 18.23M | 16.42M | 19.32M | 17.55M |
| Net Income | 27.89M | 28.61M | 23.39M | 25.51M | 25.45M | 27.08M | 28.50M | 28.37M | 29.68M | 17.85M | 34.91M | 35.37M | 38.56M | 43.16M | 51.64M | 54.48M | 50.42M | 51.28M | 37.98M | 41.63M | 47.49M | 50.06M | 63.89M | 51.18M | 49.75M | 45.56M | 59.06M | 64.64M | 59.27M | 55.77M | 57.89M | 48.60M | 50.03M | - | - | 51.10M | 50.56M | 52.59M | 55.04M | 51.00M |
| Diluted EPS | 0.26 | 0.27 | 0.22 | 0.23 | 0.23 | 0.25 | 0.26 | 0.26 | 0.27 | 0.16 | 0.32 | 0.32 | 0.30 | 0.31 | 0.37 | 0.39 | 0.36 | 0.37 | 0.27 | 0.31 | 0.35 | 0.37 | 0.47 | 0.38 | 0.37 | 0.31 | 0.42 | 0.46 | 0.42 | 0.40 | 0.42 | 0.35 | 0.36 | - | - | 0.36 | 0.36 | 0.38 | 0.40 | 0.38 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | 552.78M | 547.32M | 475.92M | 515.46M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | 9.15M | 118.34M | 182.76M | 133.01M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | 328.35M | 315.43M | 271.24M | 281.69M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | 92.92M | 94.00M | 70.52M | 72.39M |
| Net Income | 65.42M | 62.94M | 81.73M | 77.28M | 95.61M | 104.02M | 99.14M | 101.43M | 104.41M | 152.00M | 207.83M | 177.16M | - | 235.43M | 221.44M | 200.72M | 209.30M |
| Diluted EPS | 0.56 | 0.59 | 0.77 | 0.74 | 0.91 | 0.98 | 0.93 | 0.94 | 0.95 | 1.24 | 1.48 | 1.30 | - | 1.67 | 1.59 | 1.44 | 1.52 |
Compounded Sales Growth
| 5 Years: | -2.30% |
| 1 Year: | 0.30% |
Compounded Profit Growth
| 5 Years: | -3.85% |
| 1 Year: | 4.40% |
Stock Price Performance
| 1 Year: | +13.12% |
| 6 Months: | +2.79% |
| 3 Months: | +6.98% |
| 1 Month: | +0.59% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 6.74B | 6.44B | 6.48B | 6.36B | 6.66B | 7.38B | 7.67B | 8.07B | 8.27B | 11.53B | 11.28B | 14.42B | - | 16.48B | 16.02B | 15.15B | 15.63B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 95.30M | 103.25M | 404.27M | 345.34M | 98.43M | 94.69M | 105.77M | 106.10M | 121.63M | 144.38M | 163.95M | 185.52M | 1.96B | - | 213.01M | 289.50M | 205.18M | 389.45M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 46.69M | 48.99M | 45.72M | 46.72M |
| Total Liabilities | - | - | 5.79B | 5.77B | 5.60B | 5.89B | 6.50B | 6.75B | 7.08B | 7.20B | 9.68B | 9.29B | 12.41B | - | 14.53B | 13.94B | 12.97B | 13.34B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | 450.00M | 200.00M | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 995.00M | 2.07B | 500.00M | 500.00M |
| Total Equity | 614.89M | 638.23M | 643.86M | 714.81M | 762.97M | 771.89M | 878.11M | 923.40M | 990.86M | 1.07B | 1.85B | 1.99B | 2.01B | - | 1.95B | 2.08B | 2.19B | 2.30B |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 139.82M | 139.34M | 139.69M | 135.55M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 66.67M | 102.86M | 130.02M | 154.76M | 111.81M | - | - | 124.53M | 138.41M | 164.95M | 208.18M | 185.10M | - | 273.73M | 295.63M | 249.76M | 221.41M |
| Investing Cash Flow | 561.81M | 550.43M | -86.66M | -221.09M | -378.46M | - | - | -154.02M | 140.03M | 811.08M | 325.32M | -1.27B | - | -1.18B | 536.28M | 852.75M | -210.31M |
| Financing Cash Flow | -620.52M | -352.28M | -102.29M | -180.59M | 262.91M | - | - | 45.02M | -255.70M | -956.46M | -511.94M | 2.86B | - | -625.85M | -754.08M | -1.18B | 160.59M |
| Capital Expenditure | -4.16M | -6.71M | -1.68M | -4.27M | -2.42M | -1.89M | -1.87M | -12.62M | -4.89M | -4.19M | -5.52M | -4.67M | - | -5.36M | -4.52M | -5.13M | -4.07M |
| Free Cash Flow | 62.51M | 96.15M | 128.34M | 150.49M | 109.39M | - | - | 111.92M | 133.52M | 160.76M | 202.66M | 180.42M | - | 268.37M | 291.11M | 244.63M | 217.34M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | -1.53B | 77.82M | -76.59M | 171.69M |
| Share Buybacks | - | 5.17M | 12.53M | 54.00K | 559.00K | 5.47M | 834.00K | 1.91M | 1.13M | 7.76M | 2.64M | 92.77M | 8.34M | 46.33M | 21.22M | 2.82M | 81.12M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | 42.6% | 40.5% | 42.2% | 40.6% |
| ROE % | 10.3% | 9.8% | 11.4% | 10.1% | 12.4% | 11.8% | 10.7% | 10.2% | 9.8% | 8.2% | 10.4% | 8.8% | - | 12.1% | 10.7% | 9.2% | 9.1% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 10.78% | 19.03M | $387.38M |
| 2 | State Street Corporation | 4.51% | 7.96M | $161.99M |
| 3 | Vanguard Portfolio Management LLC | 4.47% | 7.89M | $160.65M |
| 4 | Dimensional Fund Advisors LP | 4.31% | 7.61M | $155.01M |
| 5 | FMR, LLC | 4.22% | 7.44M | $151.50M |
| 6 | Vanguard Capital Management LLC | 3.22% | 5.69M | $115.82M |
| 7 | Charles Schwab Investment Management, Inc. | 2.61% | 4.60M | $93.62M |
| 8 | Parallel Advisors, LLC | 2.07% | 3.66M | $74.48M |
| 9 | Geode Capital Management, LLC | 1.86% | 3.28M | $66.82M |
| 10 | Silvercrest Asset Management Group, LLC | 1.34% | 2.36M | $48.05M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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